Re: Chase Freedom Denial

LS,

I think I agree with you, though I do not know how much trouble it would be to get this fixed, and considering they are paid, how much it would benefit me. It appears that the fact that I still have a seperate legal residence means that the law of nessecisties I mentioned above would NOT apply.

Re: Chase Freedom Denial

KeithW wrote:

LS,

I think I agree with you, though I do not know how much trouble it would be to get this fixed, and considering they are paid, how much it would benefit me. It appears that the fact that I still have a seperate legal residence means that the law of nessecisties I mentioned above would NOT apply.

A collection hurts your FICO score the same way paid or unpaid. Id be fighting it tooth and nail if it did not belong to me!!! Dont give up, I would frequent the rebuilding forum on this topic. There are a lot of smart members there that can help you! Good luck!!

Re: Chase Freedom Denial

How did you get approved for a Citi card for your Experian just over 600? And what made you think they'd approve you through chase with those scores? Are they loosening their credit score standards? What did they pull?

Re: Chase Freedom Denial

sperrin wrote:

How did you get approved for a Citi card for your Experian just over 600? And what made you think they'd approve you through chase with those scores? Are they loosening their credit score standards? What did they pull?

They likely didn't pull EQ'04 classic which is presumably the OP's EQ score in his signature line.

AFAIK they haven't loosened the underwriting for the card since last June, but I haven't been paying too much attention for the past several months. Chase will approve with paid collections, but 40% util and if they were looking at payments vs. balance, hard to say. LIke has been suggested, I'd call in tomorrow explaining the collections and even the utilization if it came up assuming there's some rationale for it (like paying said collections or whatever the most recent large but reasonable expense was) and a plan to make that prettier.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.